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If you're looking for the best and cheapest car insurance in Blue Springs, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Blue Springs and prepared this guide for you.

The average cost of auto insurance in Blue Springs for full coverage is $1,871 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Blue Springs. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Blue Springs

According to a study by Insurance.com, the cheapest car insurance companies in Blue Springs for 2023 are USAA and Nationwide.

USAA is the cheapest option for most Blue Springs drivers, with an average annual rate of $863.

Car insurance cost may vary in Blue Springs based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Blue Springs

CompaniesAverage Annual Rates
USAA$863
Nationwide$1,077
State Farm$1,354
Travelers$1,361
Auto-Owners$1,480
American Family$1,488
Allstate$1,657
Geico$1,933
Auto Club Enterprises (AAA)$2,056
Progressive$2,256
Kemper Insurance$5,054

Cheapest car insurance cost in Blue Springs by Age Group

The cheapest auto insurance company in Blue Springs for teen drivers is USAA. For full coverage, its average annual rate for Blue Springs drivers is $2,345. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Blue Springs at about $1,281 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Blue Springs is the USAA. Its average rate for a full coverage car insurance policy is $889 per year.

If you are a senior driver in Blue Springs and looking for a cheap car insurance company, then consider buying insurance from the USAA. It is the cheapest auto insurance company for senior drivers with an average premium of $844 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$1,714$1,555$3,630$2,143
American Family$1,503$1,422$4,544$2,336
Auto Club Enterprises (AAA)$2,127$1,935$12,116$4,517
Auto-Owners$1,528$1,475$6,053$2,709
Geico$1,898$1,845$5,250$2,416
Kemper Insurance$5,095$4,432$17,503$9,603
Nationwide$1,107$1,045$4,189$1,972
Progressive$2,329$2,243$9,131$4,032
State Farm$1,389$1,272$4,243$2,413
Travelers$1,409$1,368$4,559$2,176
USAA$889$844$2,345$1,281

Cheapest car insurance companies in Blue Springs by driver profile

Car insurance rates in Blue Springs vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Blue Springs, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Blue Springs based on driver profile.

Cheapest for a driver with poor credit: Nationwide

The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Blue Springs drivers at about $1,506 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Nationwide$1,506
USAA$1,591
Travelers$2,358
State Farm$2,428
Progressive$2,492
American Family$2,662
Allstate$2,889
Geico$3,016
Auto-Owners$3,233
Kemper$6,282
Auto Club Entreprises$6,454

Cheapest for drivers with a speeding ticket: USAA

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Blue Springs. It offers full coverage car insurance for drivers age 30 at about $996 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
USAA$996
Nationwide$1,331
State Farm$1,418
Travelers$1,780
Allstate$1,884
Progressive$1,895
American Family$1,907
Auto-Owners$1,987
Geico$2,257
Auto Club Entreprises$2,991
Kemper$6,272

Cheapest auto insurance after an at-fault accident: USAA

USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Blue Springs is $1,131. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
USAA$1,131
State Farm$1,518
American Family$1,530
Nationwide$1,686
Travelers$1,772
Allstate$2,168
Progressive$2,399
Auto Club Entreprises$3,226
Auto-Owners$4,035
Geico$4,081
Kemper$7,684

Cheapest auto insurance after a DUI: State Farm

State Farm is the carrier that offers cheap auto insurance rates in Blue Springs for drivers after a DUI. Its average annual rate for full coverage is $1,418.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
State Farm$1,418
USAA$1,427
Progressive$1,718
Travelers$1,903
American Family$1,907
Allstate$2,142
Nationwide$2,145
Auto Club Entreprises$3,172
Geico$3,494
Auto-Owners$3,577
Kemper$5,442

Average car insurance cost in Blue Springs

The average car insurance rate in Blue Springs for full coverage is $1,871 per year or $156 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Blue Springs is $553 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,871$553

Methodology

Insurance.com commissioned 2022 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2022.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Missouri

Farmington
$1,849/year
Holts Summit
$1,758/year
Labadie
$2,134/year
Mountain View
$1,908/year
New Franklin
$1,903/year
Springfield
$1,806/year
St. Joseph
$1,919/year
St. Louis
$2,830/year
West Plains
$1,897/year

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